PNC vs. Presidential Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | PNCPNC High Yield Savings Jan 7, 2026 | Presidential BankAdvantage Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.30% | 3.25% - 3.75% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$188 $10,000+$375 $25,000+$938 |
Min Deposit | $0 | $5,000 |
Snapshot view. Rates subject to change. | ||
Terms | Eligibility restricted to select states. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredMod. MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedDirect Deposit ReqChecking Bundle |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing PNC vs. Presidential Bank
As of PNC offers an APY of 3.30% for its PNC High Yield Savings account, with a minimum balance of $0, compared to Presidential Bank's 3.75% APY for its Advantage Savings account, with a minimum balance of N/A.
Presidential Bank pays $45 more than PNC on a $10,000 balance after one year. PNC pays $330, while Presidential Bank pays $375 - an APY advantage for Presidential Bank.
In addition, PNC also offers 0.03% APY for the Standard Savings account, with a minimum balance of $1.
Why PNC?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.6 vs 4.2)
Why Presidential Bank?
- ✓Higher potential APY (3.75% vs 3.30%) (requires checking bundle & direct deposit)
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Presidential BankPresidential Bank's Advantage Savings earns more on smaller deposits (approx. $375 vs $330/yr).
Better Returns at $25,000
Presidential BankPresidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $938 vs $825/yr).
Best for Simplicity
PNCPNC's PNC High Yield Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Presidential BankPresidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Presidential Bank's Advantage Savings pays $45 more interest on a $10,000 balance than PNC's PNC High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Presidential Bank's Advantage Savings leads with a competitive 3.75% APY, contingent upon a $500 monthly direct deposit into an Advantage Checking Account. This requirement may be a consideration for those seeking higher yields. In contrast, PNC's High Yield Savings offers a solid 3.30% APY with no direct deposit or account bundling necessary, but eligibility is limited to select states. Both banks provide no maintenance fees and monthly compounding, making them appealing options for savers. However, for those eligible and willing to meet the direct deposit requirement, Presidential Bank presents a higher return.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
PNC vs. Presidential Bank Savings Calculator
You earn $45 more with Presidential Bank than PNC on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
PNC
PNC High Yield Savings
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | PNC | Presidential Bank |
|---|---|---|
| APY | 3.30% Verified: 1/7/2026 ↘︎ 0.55%90d Change | 3.75% Range: 3.25% - 3.75% Verified: 1/7/2026 ↘︎ 0.75%90d Change |
| Product Name | PNC High Yield Savings | Advantage Savings |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $0 | N/A |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.6 | iOS4.8 Android4.2 |
| Zelle® Support | Available Limit: $2,000/dayCentral to Virtual Wallet suite. | Available Native integration; Advantage Savings supports Zelle. |
| BBB Rating | A+ | A- |
| Important Notes | Eligibility restricted to select states. | - |
| Next Steps | Visit SiteVerify at PNC Non-sponsored link to official site | Visit SiteVerify at Presidential Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | PNC | Presidential Bank | |
|---|---|---|---|
| PNC High Yield Savings | Standard Savings | Advantage Savings | |
Current APY | 3.30% | 0.03% | 3.75% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.6 | 0.2 | -5.8 |
Days Since Change | 21 | 251 | 21 |
10-Month High | 3.95% | 0.03% | 4.50% |
10-Month Low | 3.30% | 0.01% | 3.75% |
Adjustments / Mo | 0.39 | 0.10 | 0.29 |
Volatility Score | 0.057 | 0.289 | 0.058 |
How to read these metrics(Click to expand)
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